Northern Bank Mortgages

Danske Bank, formerly known as Northern Bank, is a commercial bank based in Northern Ireland. It is part of the Danish Danske Bank Group and offers mortgages for first time buyers, current homeowners, self-builders and buy to let landlords.

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Mortgage Quotes & Advice

Our independent mortgage service provides:

FREE initial mortgage consultation

Access to exclusive mortgage deals not available on the high street

A dedicated mortgage adviser and case handler to deal with your mortgage from enquiry to completion

"Our mortgage team is committed to providing you with an excellent mortgage service". Adam Arnott, Head of Mortgages & Protection.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Compare Danske Bank mortgages

Depending on your exact borrowing intentions and personal circumstances, there are a few different types of mortgages that may be applicable.

First Time Buyer mortgages

With so many prospective first time buyers struggling to raise the necessary deposit to buy a home, most lenders now offer dedicated mortgages for first time buyers. These tend to allow you to borrow a higher percentage of a home’s value, so you don’t need such a large deposit. They may also allow close family to use their own assets as partial security for the loan.

Self-build mortgages

Danske Bank offer short term interest only loans for self-builders. The funds from the loan are released in stages as the build progresses and when the project is nearing completion the borrower will need to convert their loan to a standard homeowner mortgage.

Buy to Let mortgages

Danske Bank will allow you to borrow up to 75% of the market value of a property in order to rent it out. However, this does depend on the location of the property. Danske Bank buy to let mortgages are offered either as base rate tracker mortgages or fixed rate investment mortgages.

Remortgaging with Danske Bank

If you want to cut your monthly payments, borrow more or repay some of the capital on your mortgage, you may need to look at switching to a new product or provider. This can allow you to get a better deal with a lower interest rate, end up with a lump sum leftover after you pay off your old mortgage or pay off a chunk of the capital and take a smaller mortgage instead.

Loan to value ratio

Most lenders specify a particular maximum loan to value (LTV) ratio for their different types of mortgages. This tells you the maximum they will be willing to lend with certain types of products as a percentage of the value of the property you are borrowing against.

For example, if a particular mortgage is offered with a maximum LTV of 70% and you are looking at a property worth £100,000, you will be able to borrow up to £70,000. The amount you can borrow also depends on your income and other factors.

It is worth bearing in mind that you will tend to be offered better interest rates on mortgage deals with a lower LTV, so the more you can put in as a deposit the better deal you are likely to be offered.

Find the best deals on mortgage rates

Using our mortgage calculator you can see top deals from across the market that match your borrowing needs. To use the calculator you simply need to input some basic details, including how much you need to borrow and how long you want to repay over. We will then show you the best deals we have sourced from all the leading providers to help you make a choice that works for you.